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The Retail API powers on-ramp (fiat → stablecoin) and off-ramp (stablecoin → fiat) transactions for individual end users. Your platform calls LINK’s API on behalf of your users — LINK handles FX, compliance, and settlement.

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How It Works

  1. Your user initiates a transaction on your platform.
  2. You call the Retail API with the user’s details, currency, amount, and wallet address.
  3. LINK converts the funds and settles stablecoins to the user’s wallet (on-ramp) or fiat to their bank account (off-ramp).

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Retail API Sub-Products

LINK’s Retail API is made up of four distinct corridors. Each covers different currencies and uses a different settlement flow.

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1. Direct FX

Currencies: NGN only Flow: Manual — you initiate the transaction, LINK provides payment details, and settlement completes after the user sends funds and LINK confirms receipt.
Direct FX is LINK’s original retail exchange product for Nigerian Naira. It uses a manual bank-transfer settlement model — once you initiate the transaction, LINK returns the deposit account details and confirms settlement on payment receipt.
  • On-ramp: POST /transactions/v2/onramp
  • Off-ramp: POST /transactions/v2/offramp
  • Rate: GET /transactions/v2/rate_quote

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2. Pan-African Ramp

Currencies: NGN, GHS, ZAR, KES Flow: Automated — LINK handles the full corridor routing through regional banking networks.
The Pan-African Ramp provides automated on-ramp and off-ramp access across four key African markets. Each corridor uses local payment rails (NIP for NGN, bank transfer for GHS/ZAR/KES) with automated settlement.
  • On-ramp: POST /direct_ramp/deposit
  • Off-ramp: POST /direct_ramp/withdraw
  • Rate: GET /direct_ramp/rate_quote

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3. BRL (Brazilian Real)

Currencies: BRL Flow: Automated via Pix — near-instant settlement using Brazil’s national instant payment system.
On-ramp and off-ramp for Brazilian Real using the Pix payment network. Transactions settle within seconds once the Pix key is confirmed.
  • On-ramp: POST /brl/initiate_onramp
  • Off-ramp: POST /brl/initiate_offramp
  • Rate: GET /brl/ramp_quote

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4. IDR (Indonesian Rupiah)

Currencies: IDR Flow: Automated via local Indonesian banking rails (SKN / BI-FAST / iACH).
On-ramp and off-ramp for Indonesian Rupiah using domestic banking infrastructure.
  • On-ramp: POST /idr/initiate_onramp
  • Off-ramp: POST /idr/direct_withdraw
  • Rate: GET /idr/rate

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Next Steps